PackageTrendsPeer
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Bank of Coral Gables, LLC

Coral Gables, FL · Cert 58131

FDIC · 1 branch

Q3 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Coral Gables, LLC

Coral Gables, FL · Cert 58131

FDIC · 1 branch

Q3 2014

$103.1MAssets
$59.0MLoans
$96.5MDeposits
$6.3MEquity
Loan mix
86%RE $44.6M14%C&I $7.1M0%Consumer $0.1MQ3 2013Q3 2014
Deposit mix
79%Interest-bearing $75.8M21%Noninterest $20.6MQ3 2013Q3 2014

NIM

3.77%Q3 ’123.43%Q3 ’133.42%Q3 ’14-6%+3%

Non-interest income vs. expense

3.90%Q3 ’123.66%Q3 ’133.63%Q3 ’14-11%0%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2014 SOD (annual) · 0.0% share · #87 of 106 inst. · $0.1B of $187.0B

Executive Summary

  • Earnings: ROA of -0.54%, up 6 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.45%.
  • Funding: loans stand at 61.19% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

-0.54%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.82%+8 bps YoY

Efficiency Ratio (YTD, annualized)

118.02%-374 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-0.59%0.26%1-0.55%-0.77%-0.54%+6 bps
Return on Equity-10.02%4.28%-8.81%-12.19%-8.63%+139 bps
Net Interest Margin2.73%2.83%2.70%2.71%2.82%+8 bps
Efficiency Ratio121.76%118.19%118.78%126.26%118.02%-374 bps
Non-Interest Burden3.39%3.40%3.26%3.47%3.37%-2 bps
Growth
Asset Growth (YoY)-6.23%-6.05%-0.55%-8.16%-0.78%+544 bps
Loan Growth (YoY)9.48%1.13%-0.50%4.69%-7.41%-1,689 bps
Deposit Growth (YoY)-5.26%-5.95%-0.24%-8.97%-1.29%+397 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.12%-0.56%-0.03%-0.14%-0.45%-33 bps
Allowance / Loans4.19%3.44%3.68%3.55%4.01%-18 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.45%12.73%13.38%12.24%12.89%+144 bps
Equity / Assets5.57%6.28%6.22%6.38%6.06%+49 bps
Liquidity & Funding
Loans / Deposits65.23%65.66%61.09%67.67%61.19%-404 bps
Liquid Assets / Assets9.15%9.39%15.06%7.26%15.82%+666 bps
CRE / Total Capitaln/an/an/an/an/an/an/a